Liberty Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R. This bank files under the community bank leverage ratio framework.
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Community bank leverage ratio 11.30% +2.30 pp over well capitalized
This bank has elected the community bank leverage ratio framework. It files Tier 1 capital over average assets and no risk-based ratios; above the requirement it is treated as well capitalized.
| Tier 1 capital | $28.6M | 28,562 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $252.7M | 252,732 | RCOAA224 |
| Recomputed ratio | 11.30% | numerator / denominator | |
| Filed ratio | 11.30% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 9.00% | ||
| Cushion over that level | +2.30 pp | $5.8M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 400 | 400 | 400 | 400 | 400 | 400 | RCOAP742 |
| Retained earnings | 28,162 | 27,062 | 26,100 | 26,340 | 25,339 | 24,589 | RCOAKW00 |
| Accumulated other comprehensive income | (1,137) | (979) | (928) | (942) | (1,418) | (1,500) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 27,425 | 26,483 | 25,572 | 25,798 | 24,321 | 23,489 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 1,137 | 979 | 928 | 942 | 1,418 | 1,500 | P859 - P840 |
| Common equity Tier 1 capital | 28,562 | 27,462 | 26,500 | 26,740 | 25,739 | 24,989 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 28,562 | 27,462 | 26,500 | 26,740 | 25,739 | 24,989 | RCOA8274 |
| Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Allowance includable in Tier 2 capital | NA | NA | NA | NA | NA | NA | |
| Total capital | NA | NA | NA | NA | NA | NA | |
| Average total assets for the leverage ratio | 252,732 | 236,972 | 235,403 | 223,068 | 216,687 | 208,880 | RCOAA224 |
Community bank leverage ratio filers do not file risk-weighted assets, so there is no breakdown by category for this bank.
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | CBLR | NA | NA | NA | 11.30% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | CBLR | NA | NA | NA | 11.59% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | CBLR | NA | NA | NA | 11.26% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | CBLR | NA | NA | NA | 11.99% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | CBLR | NA | NA | NA | 11.88% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | CBLR | NA | NA | NA | 11.96% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | CBLR | NA | NA | NA | 11.57% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | CBLR | NA | NA | NA | 12.08% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | CBLR | NA | NA | NA | 11.69% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | CBLR | NA | NA | NA | 11.83% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | CBLR | NA | NA | NA | 11.73% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | CBLR | NA | NA | NA | 12.05% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Liberty Bank (this bank) | CBLR | NA | NA | NA | 11.30% | |
| Community First Bank | $258.9M | Risk-based | 11.83% | 11.83% | 13.09% | 8.57% |
| First National Bank of Kentucky | $258.0M | CBLR | NA | NA | NA | 9.16% |
| The Farmers State Bank | $257.7M | CBLR | NA | NA | NA | 13.88% |
| Cendera Bank | $257.6M | CBLR | NA | NA | NA | 11.25% |
| First Texas Bank | $259.7M | Risk-based | 23.25% | 23.25% | 23.63% | 10.14% |
| Union State Bank of Hazen | $257.4M | CBLR | NA | NA | NA | 8.96% |
| Community Point Bank | $259.7M | Risk-based | 9.97% | 9.97% | 11.19% | 8.20% |
| Bank of Hindman | $259.7M | Risk-based | 15.95% | 15.95% | 16.93% | 9.19% |
| Western National Bank | $257.4M | CBLR | NA | NA | NA | 9.15% |
| Peer 25th percentile | 11.37% | 11.37% | 12.61% | 8.96% | ||
| Peer median | 13.89% | 13.89% | 15.01% | 9.16% | ||
| Peer 75th percentile | 17.78% | 17.78% | 18.60% | 10.14% | ||
| This bank's percentile | NA | NA | NA | 89 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/386432/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.